JP5994996B2 - Method and system for electronic payment transaction, particularly electronic payment transaction using contactless payment means - Google Patents

Method and system for electronic payment transaction, particularly electronic payment transaction using contactless payment means Download PDF

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JP5994996B2
JP5994996B2 JP2012506628A JP2012506628A JP5994996B2 JP 5994996 B2 JP5994996 B2 JP 5994996B2 JP 2012506628 A JP2012506628 A JP 2012506628A JP 2012506628 A JP2012506628 A JP 2012506628A JP 5994996 B2 JP5994996 B2 JP 5994996B2
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フロレク、ミロスラブ
マサリク、ミハル
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    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
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    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06Q20/357—Cards having a plurality of specified features
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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    • G06—COMPUTING; CALCULATING OR COUNTING
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
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    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06Q30/04—Billing or invoicing

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Description

本発明は、決済カード形式の決済手段を使用する電子決済アプリケーションの方法およびシステムに関する。本発明は、移動通信装置に挿入できるように調整される非接触型決済手段を使用する口座振替取引の方法を扱う。   The present invention relates to a method and system for an electronic payment application that uses a payment means in the form of a payment card. The present invention deals with a method of direct debit transaction using a contactless payment means that is adjusted so that it can be inserted into a mobile communication device.

一般に、ＰＯＳ（販売時点管理）端末は、さまざまなチップ決済カードを使用する電子決済取引を処理するのに使用される。これらの端末は、決済カード発行会社または銀行に属するクリアリングセンター形式のリモート決済プロセッサに接続される。決済処理の開始時に、決済カードのチップは初期位置にリセットされる。リセット後、カードと端末との間でカードおよび端末種別に関する情報を交換する。この基本的な識別によって、カードと端末との間の接続を、決済プロセッササーバへの通信のみならず相互通信が可能な状況となる。   Generally, point-of-sale (POS) terminals are used to process electronic payment transactions using various chip payment cards. These terminals are connected to a clearing center type remote payment processor belonging to a payment card issuing company or bank. At the start of the payment process, the payment card chip is reset to the initial position. After reset, information on the card and terminal type is exchanged between the card and the terminal. With this basic identification, the connection between the card and the terminal can be communicated with each other as well as with the payment processor server.

ＰＯＳ端末は、必要な決済に関するデータをカードに送信し、データの構造は、たとえば数量、通貨、日付などを含む。また、端末は、ステートメントを知らせるようにカードに要求する。カードは、設定に従って応答を作成し、電子署名で署名する。「ＴＣ」（取引証明）形式のカードの応答は、決済プロセッサによる承認が必要とされないオフライン決済の承諾を意味する。「ＡＡＣ」（アプリケーション認証暗号）形式の応答は、決済があらゆる条件下でもカードによって承認されないことを意味する。本発明の主題は、ＡＲＱＣ（承認要求暗号）形式の応答生成時の決済処理の方法、手続きである。そのような応答は、カードが決済プロセッササーバによる認証および協働を必要とすることを意味する。   The POS terminal transmits data relating to necessary settlement to the card, and the data structure includes, for example, quantity, currency, date, and the like. The terminal also requests the card to inform the statement. The card creates a response according to the settings and signs it with an electronic signature. A card response in the “TC” (transaction proof) format means acceptance of an offline payment that does not require approval by the payment processor. A response in the form of “AAC” (Application Authentication Cryptography) means that the payment is not authorized by the card under all conditions. The subject of the present invention is a method and procedure for settlement processing when generating a response in the ARQC (approval request encryption) format. Such a response means that the card requires authentication and cooperation by the payment processor server.

応答が主にＡＲＱＣ形式の決済ファイルの形式で生成された後、カードは、この暗号化された決済ファイルをプロセッサに送信し、プロセッサの応答を受信するまで待機する。待機中、決済カードは、カードと決済プロセッサとの間で持続的な通信チャネルを生成するために端末と接触した状態にある必要がある。このチャネルが中断すると、決済処理が終了する。決済プロセッサが、ＡＲＰＣ応答ファイル（承認応答暗号）をカードに返信する場合、このファイルは、端末を介して決済カードに送信され、決済カードは、このほかの手続き（特にＡＲＰＣなど）のために応答ファイルから指示を復号して、ＴＣ、最終的には、ＡＡＣの形式で結果を端末に報告する。   After the response is generated mainly in the form of a payment file in ARQC format, the card sends this encrypted payment file to the processor and waits until it receives a response from the processor. During standby, the payment card needs to be in contact with the terminal to create a persistent communication channel between the card and the payment processor. When this channel is interrupted, the payment process ends. When the payment processor returns an ARPC response file (authorization response encryption) to the card, this file is sent to the payment card via the terminal, and the payment card responds for other procedures (especially ARPC, etc.). The instruction is decoded from the file, and the result is reported to the terminal in the form of TC and finally AAC.

現在まで知られている決済カードと端末／決済プロセッサとの間の通信方式の基本特徴は、双方向通信時の常時接続、特定のキャッシュレス決済ハードウェア装置の持続的かつ途切れないチャネルである。この通信は、約数秒、最終的には、１０分の１秒持続する。カードと端末との間の接続が中断すると、カードアプリケーションが新たに再起動し、たとえば、アプリケーションのカウンタが増加することによって記録される。カウンタデータが変化すると、新たに生成された決済ファイルＡＲＱＣが変化することから、中断後は、接続の中断前に生成されたデータを使用しても決済処理を正常に完了することができなくなる。接触により接続する標準の決済カードを使用する場合、適切なリーダのスロットからカードを取り出すのが早過ぎる場合にのみ、このリンクが中断するため、問題なく高信頼性通信リンクを保持することができる。   The basic features of the communication method between the payment card and the terminal / payment processor that have been known so far are the always-on connection during two-way communication and the continuous and uninterrupted channel of a specific cashless payment hardware device. This communication lasts about a few seconds, and finally a tenth of a second. When the connection between the card and the terminal is interrupted, the card application is restarted anew, for example recorded by incrementing the application counter. When the counter data changes, the newly generated payment file ARQC changes. Therefore, after the interruption, the payment process cannot be normally completed even if the data generated before the interruption of the connection is used. When using a standard payment card that connects by contact, the link is interrupted only if the card is removed too early from the appropriate reader slot, so a reliable communication link can be maintained without problems. .

非接触型決済手段の利用増加に伴い、通信チャネルの安定性に関する問題が生じている。決済処理時に、途切れることなく集中して非接触型リーダの到達範囲に非接触型決済手段を保持することを支払者に要求することは適切ではない。通常、非接触型リーダは、他の機器との混信を防止し、非接触型フィールドを生成するためのエネルギー需要を低下させ、安全性リスクを低減するために、到達範囲の領域が限定される。決済通信処理を、幾つかの中断フェーズに分けて段階的に行うことができる解決法が必要である。しかし、現在までこの要望に応える手続きおよび方法は知られていない。   Along with the increased use of contactless payment means, problems regarding the stability of communication channels have arisen. It is not appropriate to request the payer to keep the contactless settlement means within the reach of the contactless reader in a concentrated manner without interruption during the settlement process. Typically, non-contact readers have limited reach areas to prevent interference with other devices, reduce energy demands to generate non-contact fields, and reduce safety risks. . There is a need for a solution that allows the payment communication process to be performed step by step in several interruption phases. However, there are no known procedures and methods to meet this demand to date.

非接触型決済カードが、端末との接触型接続にも適した解決法が用いられている。そのような構成では、決済の大部分は、決済カードが決済プロセッサから応答を待たない決済カードと端末との間の非接触型リンクを介して実現される。カードと決済プロセッササーバとの間の双方向通信を実現するために、カードが端末と定期的、たとえば決済１０回に１回は接触型接続していることが必要である。次に、カードは、決済プロセッサから指示を受信して、実行する。この構成は、ユーザーの快適度を低下させ、何よりも、決済カードの接触型インタフェースを要求することから、移動通信装置内の決済カードを使用する決済には適用できない。さまざまな移動通信装置、たとえば、携帯電話を接触による方法でＰＯＳ端末と接続するよう要求することは不可能である。   A solution in which a contactless payment card is also suitable for contact connection with a terminal is used. In such a configuration, the majority of payments are realized via a contactless link between the payment card and the terminal where the payment card does not wait for a response from the payment processor. In order to realize bidirectional communication between the card and the payment processor server, it is necessary that the card is contact-connected with the terminal periodically, for example, once every 10 payments. The card then receives and executes instructions from the payment processor. This configuration reduces user comfort and, above all, requires a payment card contact-type interface, and thus cannot be applied to payment using a payment card in a mobile communication device. It is impossible to request various mobile communication devices, for example mobile phones, to connect to POS terminals in a contact-oriented manner.

上記のような短所は、非接触型決済取引の方法、特にカードのリセット後に、カードが決済端末から決済データを受信する方法を含む非接触型決済手段を使用することにより、かなり解消される。これらの決済データに基づいて、主にＡＲＱＣ形式で決済ファイルが作成され、電子署名される。この決済ファイルは、カードと決済端末との間のリンクを介して決済プロセッサに送信され、次にカードには、暗号化形式の元の決済ファイルに関するデータも含む主にＡＲＰＣ形式の応答ファイルがプロセッサから返信される。カードは、応答ファイルを処理して、復号し、最終的には、本発明に従い、主にＴＣ形式またはＡＡＣ形式の決済に対する肯定的または否定的なステートメントを決定し、形成し、端末に送信する。本発明の主題は、１つの決済取引の処理時に、カードと端末との間の通信リンクが中断されるという事実にある。基本的に、この中断は、決済ファイルをカードから端末に送信した直後に発生しうる。端末からのデータの初期受信、ＡＲＱＣ形式の決済ファイルの生成および端末への送信は、約数ミリ秒継続し、端末リーダの近傍にカードを安定して配置している間に実現される。決済プロセッサからの応答ファイルは、カードと端末との間の元の通信リンクが中断した後に、カードによって受信される。決済取引処理および前述の通信の２つのフェーズは、カードのリセットにより分割され、第２フェーズでは、カードと端末との間の通信リンクの中断前にカードで作成されたデータが使用される。１回の決済取引時のカードが新たにリセットされることは、通信リンクの再確立によって誘発される。   The disadvantages as described above are substantially eliminated by using a contactless payment method including a method of contactless payment transaction, particularly a method in which the card receives payment data from the payment terminal after the card is reset. Based on these payment data, a payment file is created mainly in ARQC format and digitally signed. This payment file is transmitted to the payment processor via a link between the card and the payment terminal, and the card then contains a response file mainly in ARPC format that also contains data relating to the original payment file in encrypted form. Reply from. The card processes and decrypts the response file, and finally determines, forms and sends to the terminal a positive or negative statement for a payment mainly in TC or AAC format according to the present invention. . The subject of the present invention lies in the fact that the communication link between the card and the terminal is interrupted when processing one settlement transaction. Basically, this interruption can occur immediately after sending the payment file from the card to the terminal. Initial reception of data from the terminal, generation of an ARQC format payment file and transmission to the terminal last for about several milliseconds, and are realized while the card is stably placed in the vicinity of the terminal reader. The response file from the payment processor is received by the card after the original communication link between the card and the terminal is interrupted. The two phases of settlement transaction processing and communication described above are split by card reset, and in the second phase, data created on the card before the communication link between the card and the terminal is interrupted is used. The new reset of the card at the time of one settlement transaction is triggered by the re-establishment of the communication link.

上に記載した通信機構は、安全な方法で実現でき、同時に、特にＡＲＱＣ形式の電子署名された決済ファイルが、カードのメモリに保存され、少なくとも主にＡＲＰＣとして、決済プロセッサから受信、続行するまで、特定の応答ファイルをメモリに保存されるように一般的なＥＭＶ（Ｅｕｒｏｐａｙ（登録商標）、ＭａｓｔｅｒＣａｒｄ（登録商標）、ＶＩＳＡ（登録商標））の手続きにほとんど介入しないで実現することができる。特にＡＲＱＣとしての決済ファイルの保存は、提示する解決法の基本特徴であり、これは、中断および第２フェーズに至る手続きによって、進行中の決済取引を取消したり、終了したりしないように、決済取引の処理をフェーズに分けることを容認することによる。   The above-described communication mechanism can be realized in a secure manner, and at the same time, an ARQC format digitally signed payment file is stored in the memory of the card, at least mainly as ARPC, until it is received from the payment processor and continues It can be realized with little intervention in general EMV procedures (Europay (registered trademark), MasterCard (registered trademark), VISA (registered trademark)) so that a specific response file is stored in a memory. In particular, saving the payment file as an ARQC is a basic feature of the proposed solution, which is to make sure that the payment transaction in progress is not canceled or terminated by interruption and the procedure leading to the second phase. By allowing the transaction processing to be divided into phases.

カードは、受信した応答ファイルを復号し、応答ファイルの作成時に決済プロセッサによって使用された決済ファイルに関する情報を取得する。ＡＲＱＣ決済ファイルは、カードのための他の指示およびスクリプトを保存できる応答ファイルに暗号化される。カードは、以前に生成、保存された決済ファイルと、応答ファイルに含まれる決済ファイルとを比較し、次に、決済に対する拒否または承認のステートメントを作成する。決済に対して承認する場合のカードの条件は、カードに保存された以前に作成された決済ファイルと、復号した応答ファイルから生成された決済ファイルが等しいということである。それは、カードが、第２の処理フェーズにおいて、他の動作以外にも、保存されているＡＲＱＣファイルを、決済プロセッサで作成されたＡＲＰＣの基盤となったＡＲＱＣファイルと比較することを意味している。   The card decrypts the received response file and obtains information about the payment file used by the payment processor when creating the response file. The ARQC payment file is encrypted into a response file that can store other instructions and scripts for the card. The card compares the payment file previously generated and saved with the payment file contained in the response file and then creates a rejection or approval statement for the payment. The card condition for approving payment is that the payment file created previously saved on the card is equal to the payment file generated from the decrypted response file. That means that in the second processing phase, the card compares the stored ARQC file with the ARPC file that is the basis of the ARPC created by the payment processor, in addition to other operations. .

応答ファイルを受信した後に、端末は、カードと端末の通信リンクの再接続を要求する。カードと端末の通信リンクの再確立した後に、カードは、決済プロセッサからの応答により補完される元のＣＤＯＬと比較されるＣＤＯＬ（カードリスク管理データ対象リスト）形式の決済データを再送信することを端末に要求する。   After receiving the response file, the terminal requests reconnection of the communication link between the card and the terminal. After re-establishing the communication link between the card and the terminal, the card resends the payment data in the form of CDOL (Card Risk Management Data Target List) which is compared with the original CDOL supplemented by the response from the payment processor. Request to the terminal.

決済カードが、携帯電話などの移動通信装置に含まれている場合に有利である。そのような決済手段の考えうる拡張の視点から、一般に携帯電話は、さまざまなメモリカードを入れるスロットを有するため、決済カードは、ｍｉｃｒｏＳＤ（商標）型、ｍｉｎｉＳＤ（商標）型またはＳＤ型のメモリカードに配置されていれば好適である。   This is advantageous when the payment card is included in a mobile communication device such as a mobile phone. From the viewpoint of possible expansion of such a payment means, generally, a mobile phone has a slot into which various memory cards can be inserted. Therefore, the payment card can be a microSD (trademark) type, a miniSD (trademark) type, or an SD type memory card. It is suitable if it is arrange | positioned.

決済取引時における、既存の１つのフェーズの通信システムでは、決済プロセッサからカードへの逆方向の通信は常に、決済ファイルを決済プロセッサに送信する際に使用されたものと同じ通信チャネルによって実現されていた。新規の方法は、時間の視点のみならず、ハードウェアの視点からも、これらのフェーズを分割することを可能にする２つのフェーズによって表わされる。応答ファイルの転送には、決済ファイルの転送に使用したものとは異なる通信経路を使用することができる。それは、カードを含む移動通信装置が登録されている移動通信網を介する接続でありうる。移動通信網は、応答ファイルを送信するのに使用され、応答ファイルは、ＳＭＳ形式で受信する携帯電話を介してカードに入る。これは、端末が応答ファイルを受信した後に、端末とカードとの間の通信リンクが予め設定された時間制限内に回復しなかった場合に発生しうる。そこで、端末がこの状況に関する情報を決済プロセッサに送信し、決済プロセッサは、異なる方法で応答ファイルのカードへの送信を実施する。   In the existing one-phase communication system at the time of payment transaction, the reverse communication from the payment processor to the card is always realized by the same communication channel used to send the payment file to the payment processor. It was. The new method is represented by two phases that make it possible to split these phases not only from a time point of view, but also from a hardware point of view. For the transfer of the response file, a communication path different from that used for the transfer of the settlement file can be used. It can be a connection through a mobile communication network in which mobile communication devices including cards are registered. The mobile communication network is used to send a response file, which enters the card via a mobile phone receiving in SMS format. This can occur if the communication link between the terminal and the card does not recover within a preset time limit after the terminal receives the response file. The terminal then sends information about this situation to the payment processor, which performs a response file transmission to the card in different ways.

ＰＯＳ端末を介して同じ通信経路が使用される場合、この端末は、決済プロセッサから応答ファイルを受信した後に、決済ファイルを決済プロセッサに送信した際のフェーズの決済端末識別子とは異なる識別子を有する端末としてカードに登録するのが好適である。基本的に、異なる識別子プレフィックスを有する端末は、既に開始している決済取引を終了するために、後処理端末としての接続を試行する信号をカードに供給することを意味する。この種の構成では、端末は、カードとの通信リンクを再確立するための準備として、応答ファイルを保持する。   When the same communication path is used via the POS terminal, this terminal has an identifier different from the payment terminal identifier of the phase when the payment file is transmitted to the payment processor after receiving the response file from the payment processor. It is preferable to register it as a card. Basically, a terminal with a different identifier prefix means to supply a signal to the card to try to connect as a post-processing terminal in order to end a payment transaction that has already started. In this type of configuration, the terminal maintains a response file in preparation for re-establishing a communication link with the card.

また、現在の技術水準で示される短所は、非接触型決済取引の方法、特に、本発明による決済カードと、端末と、端末および決済プロセッサの接続とを含む非接触型決済装置を利用することによって、かなり解消される。また、本発明の主題は、決済カードは、決済ファイル、好ましくはＡＲＱＣ形式の決済ファイルの保存するためのメモリを備え、カードと端末との間の通信リンクが終了して、カードがリセットされた後も、決済ファイルはメモリに保存されるという事実にある。端末は、主にＡＲＰＣ形式の応答ファイル用の一時記憶用メモリを備え、応答ファイルを受信した後に、識別子データの変更に応じて調整される。必要とされる安全性を達成する視点から、決済ファイルの保存するためのカードのメモリは、安全素子の形式であることが必要である。   Further, the shortcomings shown in the current technical level are to use a contactless payment transaction method, in particular, a contactless payment apparatus including a payment card according to the present invention, a terminal, and a connection between the terminal and the payment processor. Is considerably eliminated. The subject of the invention is also that the payment card comprises a memory for storing a payment file, preferably an ARQC format payment file, the communication link between the card and the terminal is terminated and the card is reset Later, the fact is that the payment file is stored in memory. The terminal mainly includes a temporary storage memory for an ARPC format response file, and is adjusted according to the change of the identifier data after receiving the response file. From the point of view of achieving the required security, the memory of the card for storing the payment file needs to be in the form of a safety element.

有利な構成では、決済カードが移動通信装置内、好ましくはｍｉｃｒｏＳＤ型、ｍｉｎｉＳＤ型またはＳＤ型のメモリカードにあり、メモリカードが、端末との接続のための通信素子を含むように、システムを設定することができる。そうすることにより、決済カードキャリアまたはさまざまな決済カードキャリアのそれぞれの機能に関してのみならず、携帯電話と端末との間の通信チャネルの生成に関しても、携帯電話の更新が達成される。この通信は、主にＮＦＣ標準に準拠して実行される。   In an advantageous configuration, the system is set up so that the payment card is in a mobile communication device, preferably a microSD, miniSD or SD type memory card, and the memory card includes a communication element for connection with the terminal. can do. By doing so, updating of the mobile phone is achieved not only with respect to the respective functions of the payment card carrier or the various payment card carriers, but also with respect to the generation of the communication channel between the mobile phone and the terminal. This communication is mainly performed according to the NFC standard.

本発明は、図１〜５でさらに詳細に記載する。   The present invention is described in further detail in FIGS.

電子決済取引のための既存の方法および接続のアルゴリズムを示す図である。FIG. 2 illustrates an existing method and connection algorithm for electronic payment transactions. 電子決済アプリケーションを処理する２つの分離可能なフェーズを有するアルゴリズムを示す図である。FIG. 3 illustrates an algorithm having two separable phases for processing an electronic payment application. 第１のフェーズ、つまり前処理で、挿入したメモリ上に決済カードを備え、アンテナを有する携帯電話による非接触型、口座振替取引のためのシステム接続スキームを表す図であって、命令の方向およびファイルの流れは、頂点から下方に向かう順番で示す図である。In the first phase, i.e. pre-processing, a system connection scheme for a contactless, direct debit transaction with a mobile phone with a payment card on the inserted memory and with an antenna, comprising: The flow of the file is shown in the order from the top to the bottom. 端末を介したカード上の転送に関する第２フェーズの後処理を示す図３によるスキームに関連する接続スキームの図であって、命令の方向およびファイルの流れを、頂点から下方に向かう順番で示す図である。Fig. 4 is a diagram of a connection scheme related to the scheme according to Fig. 3 showing the post-processing of the second phase for transfer on the card via the terminal, showing the direction of commands and the flow of files in order from the top down. It is. 図３に示すスキームに関連する接続スキームであるが、第２のフェーズ、ＳＭＳメッセージによるＡＲＰＣ転送式の後処理を示す図であって、命令の方向およびファイルの流れは、頂点から下方に向かう順番で示す図である。FIG. 4 is a connection scheme related to the scheme shown in FIG. 3, but showing the second phase, post-processing of the ARPC transfer type by SMS message, in which the direction of the instruction and the flow of the file are in order from the top to the bottom It is a figure shown by.

本実施例では、システムは、移動通信装置４、ＮＦＣリーダを備える端末２と、決済プロセッササーバ５と、端末２と決済プロセッササーバ５との間の接続とを含む。移動通信装置４は、たとえば、ノキア６１３１携帯電話によって代表される。ｍｉｃｒｏＳＤ型のメモリを備える着脱可能なカード１は、移動通信装置４のスロットに挿入される。決済カード１およびＮＦＣ通信素子７は、一般的な標準寸法を有するメモリを備える着脱可能なカード１に配置される。カード１は、決済ファイルの保存のためのメモリを備え、メモリは安全素子の形式であり、それぞれ安全素子の実領域の形態である。ＡＲＱＣ決済ファイルは、カード１がリセットした後も保存される。カード１は、取引の第１フェーズでカード１と端末２との間の通信リンク３を中断した後に、端末２へのカード１の再接続によってリセットされる。端末２は、特にＡＲＰＣ形式の応答ファイルの一時記憶用メモリを備えている。端末２は、可変識別子プレフィックスを有し、応答ファイルが受信された後に、識別子データを変更するように調整される。第１フェーズでは、端末２は、１２型の端末２（販売者側にあるＰＯＳ端末２）として登録され、第２フェーズでは、１２ｔｃ２型の端末２または可能であれば２７型の端末２（Ｐｏｓｔ＿Ｐｒｏｃｅｓｓ＿Ｔｅｒｍｉｎａｌ）として登録される。端末型の変更は、通信メッセージを正しく照合するのに有用であり、原則として、たとえば２７型の端末の新しい型番号でありうる。また、既存の処理システムに端末の新しい型番号を導入することが問題となる場合、同じ型番１２で、異なる端末機能を有する端末を使用でき、ここでは、１２ｔｃ２＝異なるｔｃ（端末機能）を備える１２型として表現される。端末２は、カード１との通信リンク３の再接続を実現するための準備として、応答ファイルＡＲＰＣを保存するメモリを有する。   In this embodiment, the system includes a mobile communication device 4, a terminal 2 having an NFC reader, a payment processor server 5, and a connection between the terminal 2 and the payment processor server 5. The mobile communication device 4 is represented by, for example, a Nokia 6131 mobile phone. A removable card 1 having a microSD type memory is inserted into a slot of the mobile communication device 4. The settlement card 1 and the NFC communication element 7 are arranged on a detachable card 1 having a memory having a general standard size. The card 1 is provided with a memory for storing a settlement file, the memory being in the form of a safety element, each in the form of a real area of the safety element. The ARQC payment file is saved even after the card 1 is reset. Card 1 is reset by reconnecting card 1 to terminal 2 after interrupting communication link 3 between card 1 and terminal 2 in the first phase of the transaction. The terminal 2 is provided with a memory for temporarily storing an ARPC format response file. Terminal 2 has a variable identifier prefix and is adjusted to change the identifier data after the response file is received. In the first phase, the terminal 2 is registered as a 12-type terminal 2 (POS terminal 2 on the seller side), and in the second phase, a 12tc2-type terminal 2 or, if possible, a 27-type terminal 2 (Post_Process_Terminal) ). The change in terminal type is useful for correctly matching communication messages and can in principle be the new model number of a 27-type terminal, for example. In addition, when it is a problem to introduce a new terminal model number into an existing processing system, terminals having the same model number 12 and different terminal functions can be used. Here, 12tc2 = different tc (terminal function) is provided. Expressed as type 12. The terminal 2 has a memory for storing a response file ARPC as preparation for realizing reconnection of the communication link 3 with the card 1.

数量、通貨および日付を含み、必要とされる決済に関するデータが、端末２で準備される。これらは、ＣＤＯＬ１データ（カードリスク管理データ対象リスト）に含まれる。ユーザーは、端末２リーダに携帯電話を近づける。通信リンク３が生成された後に、端末２は、カード１にステートメントを要求する。受信データに基づいて、カード１は、ＡＲＱＣ暗号化形式で決済ファイルを作成する。このファイルは、カード１の電子署名によって暗号化される。以前に作成された通信リンク３の間、決済ファイルＡＲＱＣは、端末２に転送される。ＡＲＱＣ決済ファイルは、作成された後、カード１の安全素子に保存される。端末２にＡＲＱＣ決済ファイルを転送した後、携帯電話が端末２リーダから離れるかどうかは基本的に問題にならない。携帯電話は、全決済取引時に、ユーザーの手に保持されることから、電話は離れていると考えられる。携帯電話は、端末２の要求時に、または実際に決済取引全体を監視する販売者が依頼した際に、端末２リーダの近傍に配置される。第１の配置後、ユーザーは別のところに配置する依頼を待つ。１つの決済取引が進行中の場合は、カード１と端末２との間の通信リンク３は切断される。   Data relating to the required settlement, including quantity, currency and date, is prepared at the terminal 2. These are included in the CDOL1 data (card risk management data target list). The user brings the mobile phone close to the terminal 2 reader. After the communication link 3 is created, the terminal 2 requests a statement from the card 1. Based on the received data, the card 1 creates a payment file in the ARQC encryption format. This file is encrypted by the electronic signature of the card 1. During the previously created communication link 3, the payment file ARQC is transferred to the terminal 2. After the ARQC payment file is created, it is stored in the safety element of the card 1. Whether or not the mobile phone leaves the terminal 2 reader after transferring the ARQC payment file to the terminal 2 is basically not a problem. Since the mobile phone is held in the user's hand during all payment transactions, the phone is considered to be separated. The mobile phone is placed in the vicinity of the terminal 2 reader when requested by the terminal 2 or when requested by a seller who actually monitors the entire settlement transaction. After the first placement, the user waits for a request to place elsewhere. When one settlement transaction is in progress, the communication link 3 between the card 1 and the terminal 2 is disconnected.

その間、ＡＲＱＣ決済ファイルは、端末２から決済プロセッサ５に送信される。決済プロセッサは、このファイルを処理し、評価し、考えうる他の指示とともにＡＲＱＣ決済ファイルを、ＡＲＰＣ暗号形式の応答ファイルに暗号化する。このファイルは、ＡＲＱＣ決済ファイルに関する暗号化データを含む。ＡＲＰＣ応答ファイルは、カード１と端末２との間の元の通信リンク３が中断された後に、カード１によって決済プロセッサ５から受信される。この中断は、決済取引処理の第１フェーズと第２フェーズとを分ける瞬間の時間要素を含む。カード１の視点から、これらの２つのフェーズは、カード１のリセットによって分けられ、第１フェーズでカードに生成されたデータは第２フェーズで使用される。   Meanwhile, the ARQC payment file is transmitted from the terminal 2 to the payment processor 5. The payment processor processes and evaluates this file and encrypts the ARQC payment file into a response file in ARPC encryption format along with other possible instructions. This file contains encrypted data relating to the ARQC payment file. The ARPC response file is received from the payment processor 5 by the card 1 after the original communication link 3 between the card 1 and the terminal 2 is interrupted. This interruption includes an instantaneous time element that separates the first and second phases of the settlement transaction process. From the card 1 perspective, these two phases are separated by a reset of the card 1 and the data generated on the card in the first phase is used in the second phase.

ＡＲＱＣ決済ファイルは、少なくとも、決済プロセッサ５からの特定のＡＲＰＣ応答ファイルが受信、処理されるまで、カード１のメモリに保存される。カード１は、受信したＡＲＰＣ応答ファイルを復号し、ＡＲＰＣ応答ファイルの作成時に決済プロセッサ５によって使用されたＡＲＱＣ決済ファイルに関する情報を取得する。次にカード１は、以前に生成され、保存されているＡＲＱＣ決済ファイルと、ＡＲＰＣ応答ファイルに含まれるＡＲＱＣ決済ファイルとを比較する。この比較後に、カード１は、処理中の決済に関するステートメントを決定することができる。次に、カード１は、承諾または拒否のステートメントをＴＣ形式またはＡＡＣ形式で作成する。以前に作成され、カード１に保存されているＡＲＱＣ決済ファイルが、ＡＲＰＣ応答ファイルに含まれるＡＲＱＣ決済ファイルと同じであるという必要条件下で、承諾のステートメントが、カード１に生成される。   The ARQC payment file is stored in the memory of the card 1 until at least a specific ARPC response file from the payment processor 5 is received and processed. The card 1 decrypts the received ARPC response file and acquires information on the ARQC payment file used by the payment processor 5 when the ARPC response file is created. Next, the card 1 compares the previously generated and stored ARQC payment file with the ARQC payment file included in the ARPC response file. After this comparison, card 1 can determine a statement regarding the settlement being processed. Next, the card 1 creates an acceptance or rejection statement in TC format or AAC format. An acceptance statement is generated on card 1 under the requirement that the ARQC payment file previously created and stored on card 1 is the same as the ARQC payment file included in the ARPC response file.

また、本実施例に記載する接続は、ＡＲＰＣ応答ファイルをカード１に転送する方法のさらに多くの可能性をもたらす。端末２は、ユーザーが２回目に携帯電話を端末２のリーダの近傍に配置しなかったことを決済プロセッサ５に報告する場合、決済プロセッサ５は、この特定の決済カード１に割り当てられた電話番号にＳＭＳデータとしてＡＲＰＣの送信を試行する。携帯電話では、受信したＳＭＳは、挿入されたｍｉｃｒｏＳＤ型カードに関連するデータとして分析され、それの汎用ＰＯＳ端末であり、基本的に仮想のＰＯＳ端末２の起動を初期化する。ＳＭＳメッセージは、プレフィックス１７を有する決済プロセッサ５に属する端末２（決済プロセッサ５に属する後処理端末２）に関する情報を含む。   In addition, the connection described in this embodiment provides more possibilities for how to transfer the ARPC response file to the card 1. If the terminal 2 reports to the payment processor 5 that the user has not placed the mobile phone in the vicinity of the reader of the terminal 2 for the second time, the payment processor 5 will call the telephone number assigned to this particular payment card 1 Attempts to send ARPC as SMS data. In the mobile phone, the received SMS is analyzed as data related to the inserted microSD card, and is a general-purpose POS terminal of the SMS. Basically, the activation of the virtual POS terminal 2 is initialized. The SMS message includes information regarding the terminal 2 belonging to the payment processor 5 having the prefix 17 (the post-processing terminal 2 belonging to the payment processor 5).

オンライン決済取引の処理は、前処理および後処理の２つのステップで実現される。決済アプリケーションとしては、たとえばＰＡＹＰＡＳＳおよびＰＡＹＷＡＶＥ仕様を実現する非接触型アプリケーションを使用することが可能できる。カード１には、ＰＡＹＰＡＳＳ／ＰＡＹＷＡＶＥおよびＰＡＹＰＡＳＳ／ＰＡＹＷＡＶＥ＿ＰＯＳＴＰＲＯＣＥＳＳの２つの別個のアプリケーションが存在する。アプリケーションは、セキュアドメインに配置され、ＥＭＶとの互換性があり、少なくとも３つの共通変数（データ項目）、オフラインカウンタ、アプリケーション取引カウンタ（ＡＴＣ）、ラストオンラインアプリケーション取引カウンタ（ＬＡＴＣ）を共有する。アプリケーションＰＡＹＰＡＳＳ／ＰＡＹＷＡＶＥは、ＡＲＱＣ値を一時的に保存し、この値は、後にＰＯＳＴＰＲＯＣＥＳＳで、ＰＡＹＰＡＳＳ／ＰＡＹＷＡＶＥ＿ＰＯＳＴＰＲＯＣＥＳＳアプリケーションに提供されることから、この値を再度カウントする必要はなく、これにより、時間が節約される。本発明により、新型の端末２、つまりＴｅｒｍｉｎａｌ＿ｔｙｐｅ＝２７（ＰＯＳＴ ＰＲＯＣＥＳＳ ＴＥＲＭＩＮＡＬ ２）が導入される。   The online payment transaction processing is realized in two steps: pre-processing and post-processing. As the payment application, for example, a contactless application that realizes the PAYPASS and PAYWAVE specifications can be used. Card 1 has two separate applications, PAYPASS / PAYWAVE and PAYPASS / PAYWAVE_POSTPROCESS. Applications are located in a secure domain, are compatible with EMV, and share at least three common variables (data items), an offline counter, an application transaction counter (ATC), and a last online application transaction counter (LATC). The application PAYPASS / PAYWAVE temporarily stores the ARQC value, which is later provided in the POSTPROCESS to the PAYPASS / PAYWAVE_POSTPROCESS application, so it is not necessary to recount this value, thereby saving time. Is done. According to the present invention, a new type of terminal 2, namely Terminal_type = 27 (POST PROCESS TERMINAL 2), is introduced.

提示する解決法は、携帯電話を端末２の近傍に２回配置することを可能にする。１回目では、オンライン承認の要求が生成され、２回目の接触後に、決済プロセッサ５からの情報が、決済アプリケーションに入力される。ユーザーが、２回目に携帯電話を配置せず、応答中に関連データまたはスクリプトが存在する場合、端末２は、応答が配信されなかったことを決済プロセッサ５に報告し、決済プロセッサ５は、ＳＭＳ ＲＥＳＰＯＮＳＥサービスが起動されていれば、ＳＭＳによって携帯電話に応答を配信しようと再試行する。ユーザーにこのサービスがある場合、一度のみユーザー自らが、手続きに従って端末２のリーダの近傍に携帯電話を配置することができる。ＧＵＩがＳＭＳ ＲＥＰＯＲＴが有効になったことをＳＭＳにより決済プロセッサ５に報告する場合に、ＧＵＩを最初に起動すると、このサービスが開始される。   The presented solution makes it possible to place the mobile phone in the vicinity of the terminal 2 twice. In the first time, a request for online approval is generated, and after the second contact, information from the payment processor 5 is input to the payment application. If the user does not place the mobile phone for the second time and there is relevant data or script in the response, the terminal 2 reports to the payment processor 5 that the response was not delivered, and the payment processor 5 If the RESPONSE service has been activated, it will retry to deliver the response to the mobile phone via SMS. When the user has this service, the user himself / herself can place a mobile phone near the reader of the terminal 2 according to the procedure. This service is started when the GUI is first activated when the GUI reports to the settlement processor 5 by SMS that the SMS REPORT has been enabled.

決済プロセッサ５が、ＳＭＳ ＲＥＳＯＰＯＮＳＥ送信後、３回連続のオンライン決済で受信確認を受信しない場合、サービスは自動的に無効となる。クライアントは、オンラインで３回連続して決済し、および／または、ＧＵＩを起動していなかったか、あるいは、携帯電話がそのようなサービスをサポートしない型に変更された。クライアントは、停止した後に、ＧＵＩ上でサービスを再起動するか、あるいは、決済取引処理のツータッチメソッドを使用する必要があることを示すＳＭＳを受信する。   If the payment processor 5 does not receive an acknowledgment in three consecutive online payments after sending SMS RESOPONSE, the service is automatically disabled. The client settled online three times in succession and / or did not activate the GUI, or was changed to a type in which the mobile phone does not support such services. After stopping, the client receives an SMS indicating that it needs to restart the service on the GUI or use the two-touch method of payment transaction processing.

また、本実施例では、前処理は、カード１を１回目の配置した時に実現される一般的なオンラインの非接触型動作、本願明細書では端末２に対する携帯電話の非接触型動作を表す。前処理時に、端末２は、端末自体をたとえばＴｅｒｍｉｎａｌ＿ｔｙｐｅ＝１２として表示する（販売者側にあるＰＯＳ端末２）。端末２は、決済プロセッサ５（決済カード１を発行した銀行の承認サーバ）にオンライン承認の要求を送信する。前処理の結果は、他のものを除いて決済プロセッサからの応答コードとスクリプトである。   In the present embodiment, the pre-processing represents a general online non-contact type operation realized when the card 1 is arranged for the first time, and a non-contact type operation of the mobile phone with respect to the terminal 2 in this specification. During pre-processing, the terminal 2 displays the terminal itself, for example, as Terminal_type = 12 (POS terminal 2 on the seller side). The terminal 2 transmits an online approval request to the payment processor 5 (the approval server of the bank that issued the payment card 1). The result of the preprocessing is the response code and script from the payment processor, except for others.

ユーザーは、携帯電話でＧＵＩ決済アプリケーションを開始する。アプリケーションは、パスワードを要求する。パスワードが適合すれば、ＥＭＢＥＤＤＥＤ ＰＯＳ ＴＥＲＭＩＮＡＬは、パスワードを使用してＰＩＮコードを取得する。ＰＩＮコードは、安全素子内の別個のアプリケーションに保存される。ＥＭＢＥＤＤＥＤ ＰＯＳ ＴＥＲＭＩＮＡＬは、ＰＡＹＰＡＳＳ／ＰＡＹＷＡＶＥアプリケーションでＰＩＮを照合し、有効である場合に、取引時に、外部のＰＯＳ端末２のＰＩＮ入力装置（ＰＥＤ）でＰＩＮによる照合をほかに必要としないように、決済アプリケーションを構成する。ＰＩＮ ＯＶＥＲ ＰＡＳＳＷＯＲＤプラットフォーム技術は、この構成によって定義される。ユーザーが決済アプリケーションを開始し、パスワードを入力せず、端末２がＰＩＮ照合を必要とする場合、ＰＥＤにＰＩＮを入力するか、あるいは、ＦＯＢ（外部データ媒体）をリーダの近傍に配置して、照合のためにＰＩＮを決済プロセッサ５に送信することが必要である。電話がＧＵＩ決済アプリケーションを搭載せず、端末２がＰＩＮ照合を必要とする場合、この照合は、決済プロセッサ５においてオンラインで実行される。   The user starts a GUI payment application on the mobile phone. The application asks for a password. If the password matches, EMBEDDED POS TERMINAL uses the password to obtain a PIN code. The PIN code is stored in a separate application within the safety element. EMBEDDED POS TERMINAL verifies the PIN in the PAYPASS / PAYWAVE application, and if it is valid, settles so that no other PIN verification is required at the PIN input device (PED) of the external POS terminal 2 during the transaction. Configure the application. The PIN OVER PASSWORD platform technology is defined by this configuration. If the user starts a payment application, does not enter a password, and the terminal 2 requires PIN verification, enter the PIN in the PED or place an FOB (external data medium) near the reader, It is necessary to send the PIN to the payment processor 5 for verification. If the phone does not have a GUI payment application and the terminal 2 requires a PIN verification, this verification is performed online in the payment processor 5.

端末２は、カードリスク管理データ対象リスト（ＣＤＯＬ１）と第１のＧＥＮＥＲＡＴＥ ＡＣコマンドをカード１に送信する。カード１は、ＡＲＱＣを計算する。端末２のリスク管理がＰＩＮを要求し、ＧＵＩからパスワードが入力されなかった場合、端末２は、ＰＩＮ入力装置（ＰＥＤ）にＰＩＮを入力するように要求し、このステップでは、オンラインでＰＩＮを照合する。端末２は、オンライン承認の要求として、計算されたＡＲＱＣ暗号文を決済プロセッサ５に送信する。決済プロセッサ５は、応答コードおよびスクリプトを補完する応答（ＡＲＰＣ暗号文）を返信する。   The terminal 2 transmits the card risk management data target list (CDOL1) and the first GENERATE AC command to the card 1. Card 1 calculates ARQC. If the risk management of the terminal 2 requires a PIN and no password is entered from the GUI, the terminal 2 requests the PIN input device (PED) to enter the PIN, and in this step, the PIN is verified online. To do. The terminal 2 transmits the calculated ARQC ciphertext to the payment processor 5 as a request for online approval. The settlement processor 5 returns a response (ARPC ciphertext) that complements the response code and the script.

以下のように、２回目に端末２の近傍にカードを配置し、端末２が次の処理のためにカード１に応答コードおよびスクリプトを送信する際に、後処理を実行する。
１．端末２は、決済プロセッサからＡＲＰＣ暗号文を受信（前処理完了）後に、ユーザーにカード１、つまり携帯電話を端末の非接触型リーダの近傍に再び配置するように要求する。
２．カード１を配置した後に、端末２は、ＰＡＹＰＡＳＳ／ＰＡＹＷＡＶＥ＿ＰＯＳＴＰＲＯＣＥＳＳを開始し、Ｔｅｒｍｉｎａｌ＿ｔｙｐｅ＝１２ではなく、Ｔｅｒｍｉｎａｌ＿ｔｙｐｅ＝２７（販売者側にある後処理端末）として、端末自体をそれぞれＴｅｒｍｉｎａｌ＿ｔｙｐｅ＝１２ ｔｃ２として表示する。
３．カードは、この型の（ツータッチ取引処理中の）端末を認識し、第２のＧＥＮＥＲＡＴＥ ＡＣを計算するために端末２にＣＤＯＬ２データを要求する。
４．端末２からのＣＤＯＬ２は、他のデータに加えて決済プロセッサからの応答コードを含む必要がある。
５．端末２は、カード１にスクリプトを送信する。
６．計算時には、前処理時に一時的に保存したＡＲＱＣが使用される。
７．カードは、計算したＴＣ／ＡＡＣを端末２に送信する。 As described below, a card is placed in the vicinity of the terminal 2 for the second time, and post-processing is executed when the terminal 2 transmits a response code and a script to the card 1 for the next processing.
1. After receiving the ARPC ciphertext from the payment processor (completion of preprocessing), the terminal 2 requests the user to place the card 1, that is, the mobile phone again in the vicinity of the contactless reader of the terminal.
2. After placing the card 1, the terminal 2 starts PAYPASS / PAYWAVE_POSTPROCESS, and displays the terminal itself as Terminal_type = 12 tc2 as Terminal_type = 27 (post-processing terminal on the seller side) instead of Terminal_type = 12. .
3. The card recognizes this type of terminal (in the process of a two-touch transaction) and requests CDOL2 data from terminal 2 to calculate a second GENERATE AC.
4). The CDOL 2 from the terminal 2 needs to include a response code from the payment processor in addition to other data.
5. The terminal 2 transmits a script to the card 1.
6). At the time of calculation, ARQC temporarily stored at the time of preprocessing is used.
7). The card transmits the calculated TC / AAC to the terminal 2.

ユーザーは、携帯電話、移動通信装置４をリーダに対して２回目に配置しない場合、端末は、メッセージ配信に失敗したことを決済プロセッサ５に報告する。決済プロセッサは、ＳＤカード１が挿入されている電話番号にＳＭＳデータとしてＡＲＰＣの送信を試行する。（プロセッサ５は、ＧＵＩから起動されているＳＭＳからのＳＭＳ Ｒｅｓｐｏｎｓｅ起動時に、この番号を得て、記憶する。）プッシュＳＭＳ技術は、受信ＳＭＳを記録し、ＳＤカードの関連データに関係することを検知した後に、ＧＥＮＥＲＩＣ ＰＯＳ ＴＥＲＭＩＮＡＬを実行する。また、ＳＭＳデータは、他の情報以外に、Ｔｅｒｍｉｎａｌ＿ｔｙｐｅ＝１７（金融機関に属する後処理端末２）に関する情報を含む必要がある。ＧＥＮＥＲＩＣ ＰＯＳ ＴＥＲＭＩＮＡＬは、安全素子におけるデフォルト端末に関する構成データを読み込む。（端末２は、決済プロセッサ５または決済プロセッサ５と協働する決済プロセッサに属する。）次に、ＥＭＢＥＤＤＥＤ ＰＯＳ ＴＥＲＭＩＮＡＬは、ＰＡＹＰＡＳＳ／ＰＡＹＷＡＶＥ＿ＰＯＳＴＰＲＯＣＥＳＳを開始して、端末自体をＴｅｒｍｉｎａｌ＿ｔｙｐｅ＝１７として表示する。カード１は、このような型の（ツータッチ取引処理プラットフォームの）端末を認識し、第２のＧＥＮＥＲＡＴＥ ＡＣを計算するために端末２にＣＤＯＬ２データ（ＡＲＰＣを含む）を要求する。端末２は、カード１にスクリプトを送信する。前処理時に、一時的に保存したＡＲＱＣが、後の計算に使用される。カード１は、応答として計算されたＴＣ／ＡＡＣを端末２に送信する。端末２は、応答を暗号化し、ＧＵＩが応答を取り出して、決済プロセッサ５のＨＯＳＴに応答として送信するメモリに保存する一方で、受信ＳＭＳ ＲＥＳＰＯＮＳＥから電話番号を認識する。   If the user does not place the mobile phone or mobile communication device 4 for the reader for the second time, the terminal reports to the payment processor 5 that the message delivery has failed. The payment processor tries to transmit ARPC as SMS data to the telephone number in which the SD card 1 is inserted. (The processor 5 obtains and stores this number when the SMS Response is activated from the SMS activated from the GUI.) Push SMS technology records the received SMS and relates to the relevant data on the SD card. After detection, GENERIC POS TERMINAL is executed. Further, the SMS data needs to include information regarding Terminal_type = 17 (post-processing terminal 2 belonging to a financial institution) in addition to other information. GENERIC POS TERMINAL reads configuration data regarding the default terminal in the safety element. (The terminal 2 belongs to the payment processor 5 or a payment processor cooperating with the payment processor 5.) Next, the EMBEDDED POS TERMINAL starts PAYPASS / PAYWAVE_POSTPROCESS and displays the terminal itself as Terminal_type = 17. Card 1 recognizes this type of terminal (of a two-touch transaction processing platform) and requests CDOL2 data (including ARPC) from terminal 2 to calculate a second GENERATE AC. The terminal 2 transmits a script to the card 1. During preprocessing, the temporarily stored ARQC is used for subsequent calculations. The card 1 transmits the TC / AAC calculated as a response to the terminal 2. The terminal 2 encrypts the response, and the GUI retrieves the response and stores it in a memory that is transmitted as a response to the HOST of the payment processor 5 while recognizing the telephone number from the received SMS RESPONSE.

カード１は、決済プロセッサ５からＡＲＰＣを受信する場合、他の「ｎ」（無制限）回のオフライン決済の実現を可能にするＬＡＴＣを設定するが、ＳＭＳ Ｒｅｓｐｏｎｓｅまたは第２の接触のいずれによるかは重要でない。ユーザーがツータッチプラットフォームで２回目の接触を拒否する場合、および、または、ＳＭＳ Ｒｅｓｐｏｎｓｅが起動していない場合のいずれかの場合、ユーザーはオフライン決済を実現することができない。しかし、ユーザーは、決済プロセッサ５でオンライン承認によってのみ決済することができる。決済プロセッサ５からＡＲＰＣ（応答）を正しく受信した後に、オフライン取引は許可される。そこで、ユーザーのカードにオフラインの金銭が十分にあるという条件下では、回数を限定することなく決済できるようになる。   When the card 1 receives an ARPC from the payment processor 5, the card 1 sets a LATC that enables another “n” (unlimited) number of offline payments, either by SMS Response or the second contact. Not important. If the user refuses the second contact on the two-touch platform and / or if the SMS Response is not activated, the user cannot achieve offline payment. However, the user can make a payment only by online approval in the payment processor 5. After correctly receiving the ARPC (response) from the payment processor 5, offline transactions are permitted. Therefore, under the condition that the user's card has sufficient offline money, it becomes possible to settle without limiting the number of times.

産業上の利用可能性は、明白である。本発明により、カードと端末との間の通信リンクの中断を可能にする決済取引を２つのフェーズに分ける電子決済アプリケーションシステムを作製して、使用することが可能である。   Industrial applicability is obvious. According to the present invention, it is possible to create and use an electronic payment application system that divides a payment transaction that enables interruption of a communication link between a card and a terminal into two phases.

１ カード
２ 決済端末
３ 通信リンク
４ 移動通信装置
５ 決済プロセッサ
６ 通信経路
７ 通信素子
ＰＯＳ 販売時点管理
ＡＡＣ アプリケーション認証暗号文
ＡＲＱＣ 承認要求暗号
ＡＲＰＣ 承認応答暗号
ＣＤＯＬ カードリスク管理データ対象リスト
ＴＣ 取引証明
ＰＯＳ１２ 販売者側にある販売時点管理
ＰＯＳ１２ｔｃ２ 後処理で販売者側にあり、異なる端末機能を有する販売時点管理
ＥＭＶ Ｅｕｒｏｐａｙ、ＭａｓｔｅｒＣａｒｄ、ＶＩＳＡ 1 card 2 payment terminal 3 communication link 4 mobile communication device 5 payment processor 6 communication path 7 communication element POS point of sale management AAC application authentication ciphertext ARQC approval request encryption ARPC approval response encryption CDOL card risk management data target list TC transaction certification POS12 sales Point-of-sale management at the seller side POS12tc2 Point-of-sale point-of-sale management with different terminal functions at the seller side in post-processing

Claims (12)

非接触型決済手段を使用し、ＡＲＱＣ形式の決済ファイルは、カード（１）によって作成され、前記カード（１）の第１のリセット後、決済端末（２）から受信する決済データを使用して、前記カード（１）で電子署名されて前記カード（１）に保存されると共に、前記電子署名された決済ファイルは、前記カード（１）の前記決済端末（２）とのリンクによって前記決済端末（２）を経て決済プロセッサ（５）に送信され、
前記決済端末（２）に前記電子署名された決済ファイルを送信した後で、前記カード（１）と前記決済端末（２）とのリンクが切断された後、
次に、前記カード（１）と前記決済端末（２）とのリンクの再接続で前記カード（１）の第２のリセットが行われ、前記第２のリセットの前後で第１フェーズと第２フェーズに分けられる構成であって、前記第２フェーズにおいて、
前記カード（１）は、前記決済プロセッサ（５）から、前記決済プロセッサ（５）が生成した前記決済ファイルに関するデータを含む暗号化されたＡＲＰＣ形式の応答ファイルを受信し、前記カード（１）は、受信した前記応答ファイルを復号して、前記応答ファイルを生成するために使用された前記決済ファイルに関する情報を取得し、次に、前記カード（１）は、第１フェーズで保存された決済ファイルと、前記応答ファイルに含まれる決済ファイルとを比較した結果に基づいて承諾または拒否のステートメントを作成する
ことを特徴とする電子決済取引の方法。 Using the contactless payment means, the payment file in ARQC format is created by the card (1) and uses the payment data received from the payment terminal (2) after the first reset of the card (1). The card (1) is electronically signed and stored in the card (1), and the electronically signed payment file is linked to the payment terminal (2) of the card (1) through the payment terminal (2). Sent to the payment processor (5) via (2),
After sending the electronically signed payment file to the payment terminal (2), after the link between the card (1) and the payment terminal (2) is disconnected ,
Next, a second reset of the card (1) is performed by reconnecting the link between the card (1) and the payment terminal (2), and before and after the second reset, The configuration is divided into phases, and in the second phase,
The card (1) from the payment processor (5) receives the response file of the encrypted ARPC format containing data about the payment files the payment processor (5) is generated, the card (1) The received response file is decrypted to obtain information about the payment file used to generate the response file, and then the card (1) stores the payment file stored in the first phase. And a statement of acceptance or refusal based on a result of comparing the settlement file included in the response file with an electronic settlement transaction method. 前記決済に対する前記承諾のステートメントは、以前に作成されかつ前記カード（１）に保存されている決済ファイルが、前記応答ファイル内の前記決済ファイルと同じであるという必要条件下において前記カード（１）で生成されることを特徴とする請求項１に記載の電子決済取引の方法。 The statement of acceptance for the payment is that the card (1) is subject to the requirement that the payment file previously created and stored on the card (1) is the same as the payment file in the response file. The electronic payment transaction method according to claim 1 , wherein the electronic payment transaction method is generated by: 前記応答ファイルを受信した後に、前記端末（２）は、前記カード（１）と前記端末（２）との間の前記通信リンク（３）の修復を必要とし、前記カード（１）と前記端末（２）との間の前記通信リンク（３）が復元された後に、前記カード（２）は、前記決済プロセッサ（５）からの応答によって補足された決済データを再送するように前記端末（２）に要求することを特徴とする請求項１又は２に記載の電子決済取引の方法。 After receiving the response file, the terminal (2) needs to repair the communication link (3) between the card (1) and the terminal (2), and the card (1) and the terminal After the communication link (3) with (2) is restored, the card (2) retransmits the payment data supplemented by the response from the payment processor (5) to the terminal (2 3) The electronic settlement transaction method according to claim 1 or 2 . 前記カード（１）は、移動通信装置（４）用の着脱可能なメモリカード、好ましくはｍｉｃｒｏＳＤ型、ｍｉｎｉＳＤ型またはＳＤ型のメモリに含まれることを特徴とする請求項１〜３のいずれか１項に記載の電子決済取引の方法。 The card (1) is a removable memory card for mobile communication device (4), preferably microSD type, either of claims 1-3, characterized in that included in the miniSD type or SD type memory 1 The method of electronic payment transaction according to item . 前記応答ファイルの転送のための通信経路（６）は、前記カード（１）と前記端末（２）との間の前記決済ファイル転送に使用される通信経路（３）と異なることを特徴とする請求項１〜４のいずれか１項に記載の電子決済取引の方法。 The communication path (6) for transferring the response file is different from the communication path (3) used for transferring the settlement file between the card (1) and the terminal (2). The method of the electronic payment transaction of any one of Claims 1-4 . 前記決済プロセッサ（５）から応答ファイルを受信した後に、前記第２フェーズの前記端末（２）が、前記第１フェーズにおける識別子とは異なる識別子に変更されることを特徴とする請求項１〜５のいずれか１項に記載の電子決済取引の方法。 After receiving the response file from the settlement processor (5), according to claim 5 wherein the second phase the terminal (2), characterized in that to change to a different identifier than the identifier in the first phase The electronic payment transaction method according to any one of the above. 前記端末（２）は、前記カード（１）との前記通信リンク（３）を修復するための準備において、前記応答ファイルを保存することを特徴とする請求項６に記載の電子決済取引の方法。 7. The method of electronic payment transaction according to claim 6 , wherein the terminal (2) stores the response file in preparation for repairing the communication link (3) with the card (1). . 移動通信網が、前記応答ファイルを送信するのに使用され、前記応答ファイルは、ＳＭＳ形式でメッセージを受信する移動通信装置（４）を介して前記カード（１）によって受信されることを特徴とする請求項１〜７のいずれか１項に記載の電子決済取引の方法。 A mobile communication network is used to send the response file, the response file being received by the card (1) via a mobile communication device (4) that receives messages in SMS format. The electronic settlement transaction method according to any one of claims 1 to 7 . 非接触型決済手段を使用し、移動通信装置（４）内の決済カード（１）と、端末（２）と、端末（２）と決済プロセッサ（５）との間の接続とを含み、請求項１に記載の電子決済取引方法を行う電子決済取引のシステムであって、
前記決済カード（１）は、決済ファイルを保存するメモリを含み、前記決済ファイルは、前記カード（１）と前記端末（２）との通信リンク（３）の中断した後に続く前記カード（１）の前記第２のリセット後も前記メモリに保存され、前記端末（２）は、ＡＲＰＣ形式の前記応答ファイルの一時記憶用メモリを含み、前記端末（２）は、前記応答ファイルの受信後、登録識別子データが変更されることを特徴とする電子決済取引のシステム。 Using a contactless payment means, including a payment card (1) in the mobile communication device (4), a terminal (2), and a connection between the terminal (2) and the payment processor (5), An electronic payment transaction system that performs the electronic payment transaction method according to Item 1,
The payment card (1) includes a memory for storing a payment file, and the payment file continues after the communication link (3) between the card (1) and the terminal (2) is interrupted. Is stored in the memory even after the second reset, and the terminal (2) includes a memory for temporarily storing the response file in ARPC format, and the terminal (2) is registered after receiving the response file. An electronic payment transaction system characterized in that identifier data is changed. 前記決済ファイルの保存するための前記カード（１）のメモリは、安全素子であることを特徴とする請求項９に記載の電子決済取引のシステム。 10. The system for electronic payment transaction according to claim 9 , wherein the memory of the card (1) for storing the payment file is a safety element. 前記決済カード（１）は、前記移動通信装置（４）の着脱可能なメモリカード、好ましくはｍｉｃｒｏＳＤ型、ｍｉｎｉＳＤ型またはＳＤ型のメモリに含まれることを特徴とする請求項９又は１０に記載の電子決済取引のシステム。 The payment card (1), said mobile communication device (4) removable memory card, preferably according to claim 9 or 10, characterized in that included in microSD type, miniSD type or SD type memory Electronic payment transaction system. 前記決済カード（１）は、前記端末（２）との通信のための非接触型通信素子（７）を含むことを特徴とする請求項９〜１１のいずれか１項に記載の電子決済取引のシステム。 The electronic payment transaction according to any one of claims 9 to 11 , wherein the payment card (1) includes a contactless communication element (7) for communication with the terminal (2). System.
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